{"id":224783,"date":"2026-08-31T16:43:49","date_gmt":"2026-08-31T11:13:49","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/"},"modified":"2026-09-16T09:53:18","modified_gmt":"2026-09-16T04:23:18","slug":"bajaj-finserv-gilt-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/","title":{"rendered":"Bajaj Finserv Gilt Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-gilt-fund-g-direct-plan\">Bajaj Finserv Gilt Fund Direct Growth Plan<\/a> has a NAV of \u20b91,075.9585 as of 15 September 2026 and a scheme AUM of \u20b928 Cr. Its 1-year, 3-year and 5-year returns are 4.46%, Data not available and Data not available, and the fund sits in the Low Risk category.<\/p>\n<p>Our view is that this is a narrow, short-history gilt fund that has held up better than the benchmark over the last year, but it does not yet offer a long track record. The portfolio is concentrated in Treasury Bills and cash-like assets, which supports stability, though the return pattern remains modest rather than standout.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bajaj_Finserv_Gilt\" title=\"Should you BUY or HOLD Bajaj Finserv Gilt?\">Should you BUY or HOLD Bajaj Finserv Gilt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-gilt-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b91,075.9585 as of 15 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b928 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.39%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>15 Jan 2025<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Low Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Siddharth Chaudhary, Nimesh Chandan, Sourish Chatterjee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Siddharth Chaudhary, Nimesh Chandan and Sourish Chatterjee.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.41%<\/td>\n<td>-4.81%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.92%<\/td>\n<td>-3.63%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>4.46%<\/td>\n<td>-8.27%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is steadier than the benchmark, especially over 3 months and 1 year. The fund is positive across 3M and 1Y, while the benchmark remains negative across all three periods shown, which tells us the fund has protected capital better over the recent cycle.<\/p>\n<p>That said, the 1-month move is slightly negative, so the short end of the curve is not smooth. The broader message is still more constructive for the fund than for the benchmark, because the benchmark has been weaker in every displayed period and has not matched the fund\u2019s ability to stay in positive territory over 3M and 1Y.<\/p>\n<p>The time pattern also suggests controlled movement rather than sharp swings. The fund\u2019s return line has moved within a tight band, which fits a gilt portfolio aimed more at stability and rate-driven income than aggressive appreciation. For a conservative debt investor, that matters more than trying to chase quick upside.<\/p>\n<p>Because the scheme launched in 2025, there is no 3-year or 5-year record to assess here. That limits our confidence in any longer-horizon judgment, so the cleanest interpretation is that recent performance has been better than the benchmark, but the fund still has to prove how it behaves across a full rate cycle.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bajaj_Finserv_Gilt\"><\/span>Should you BUY or HOLD Bajaj Finserv Gilt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bajaj Finserv Gilt? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-gilt-fund-g-direct-plan\">Bajaj Finserv Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>4.46%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-gilt-fund-g-direct-plan\">Bandhan Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>7.66%<\/td>\n<td>7.9%<\/td>\n<td>6.35%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-gilt-fund-g-direct-plan\">Franklin India Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>5.92%<\/td>\n<td>6.47%<\/td>\n<td>5.37%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/uti-gilt-fund-g-direct-plan\">UTI Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>5.26%<\/td>\n<td>6.73%<\/td>\n<td>5.71%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-gilt-fund-g-direct-plan\">Axis Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>4.69%<\/td>\n<td>7.28%<\/td>\n<td>6.01%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-gilt-fund-g-direct-plan\">Bajaj Finserv Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>4.46%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the 1-year figure, the fund trails the stronger peer returns in this set, with Bandhan, Franklin India and UTI all ahead on the same horizon. Axis is much closer, but still slightly above the fund.<\/p>\n<p>The longer-horizon picture is mixed rather than weak in isolation. The fund cannot yet be compared on 3-year or 5-year numbers because it does not have those records, while the established peers show firmer long-term compounding. That means the peer comparison is mainly a test of recent traction versus a more seasoned set of gilt funds.<\/p>\n<p>So the short-term and longer-term messages do not fully match: recent performance is respectable for a young gilt fund, but the available peer data still favours funds with longer records and stronger multi-year returns. For us, that keeps the fund in the \u201cwatch for consistency\u201d bucket rather than the \u201cclear leader on all horizons\u201d bucket.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>91 Days Tbill (MD 27\/11\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>52.28%<\/td>\n<\/tr>\n<tr>\n<td>91 Days Tbill (MD 01\/10\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>17.57%<\/td>\n<\/tr>\n<tr>\n<td>364 Days Tbill (MD 26\/11\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>17.43%<\/td>\n<\/tr>\n<tr>\n<td>Clearing Corporation of India Ltd<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>13.11%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 91 Days Tbill (MD 27\/11\/2026) at 52.28%, so more than half of the portfolio sits in a single short-dated government security. That is a meaningful anchor for the fund and may keep the portfolio closely tied to short-term money-market style movements.<\/p>\n<p>Weight then falls quite quickly to 17.57% and 17.43% in the next two Treasury Bill lines, before dropping to 13.11% in cash and cash equivalents. With only four disclosed holdings, the portfolio is not spread across a long tail; instead, it appears highly concentrated in a small set of ultra-short instruments.<\/p>\n<p>Because the disclosed holdings account for 100% of the portfolio and there are only four rows, the exposure looks very tight and easy to read. That concentration may improve clarity around interest-rate exposure, but it also means each holding is likely to have greater influence on day-to-day movement than it would in a more diversified gilt portfolio.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is best suited to conservative debt investors who are comfortable with low-risk positioning and want a portfolio built around Treasury Bills and cash-like instruments. The 1-year return has been positive, but the absence of a longer history means the fund still has to show whether it can stay steady across different interest-rate conditions.<\/p>\n<p>It is more suitable for a shorter to medium horizon than for someone trying to find a multi-year high-return story. The main trade-off is that the structure looks relatively stable, but the return profile has also been modest, and the available peer set shows stronger longer-term numbers from more established gilt funds.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Bajaj Finserv Gilt Fund Direct Growth Plan?<\/strong><br \/>Its NAV is \u20b91,075.9585 as of 15 September 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The 1-year return is 4.46%, while the 3-year and 5-year returns are Data not available because the scheme does not yet have those records.<\/p>\n<p><strong>How has the fund performed versus the benchmark?<\/strong><br \/>It has done better than the benchmark across the periods shown. The fund is positive over 3M and 1Y, while the benchmark stays negative in those same periods.<\/p>\n<p><strong>How does it compare with peer gilt funds on 1-year return?<\/strong><br \/>Its 1-year return is below the stronger peer figures in the list, including Bandhan Gilt Fund Direct Growth Plan at 7.66%, Franklin India Gilt Fund Direct Growth Plan at 5.92% and UTI Gilt Fund Direct Growth Plan at 5.26%.<\/p>\n<p><strong>Is there a minimum SIP for this fund?<\/strong><br \/>Yes. The minimum SIP amount is \u20b91,000.<\/p>\n<p><strong>What are the main risk and portfolio characteristics?<\/strong><br \/>The fund is in the Low Risk category and is heavily concentrated in Treasury Bills, with the largest disclosed holding at 52.28%. It also has no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finserv Gilt Fund Direct Growth Plan has looked better than its benchmark over the recent periods shown, but its longer-term record is still not available because the scheme is young. Compared with the listed peers, the 1-year number is softer, while the portfolio is clearly concentrated in Treasury Bills and cash-like assets, which supports a low-risk profile. That makes it most relevant for conservative investors who want stability first and can accept a modest return profile while the fund builds a longer track record.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 16 September 2026 at 9:50 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bajaj Finserv Gilt Fund Direct Growth Plan\",\"identifier\":\"bajaj-finserv-gilt-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"15 Jan 2025\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":1075.9585,\"valueReference\":\"as of 15 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"28 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.39\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":4.46},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Siddharth Chaudhary, Nimesh Chandan, Sourish Chatterjee\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bajaj Finserv Gilt Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its NAV is \u20b91,075.9585 as of 15 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 4.46%, while the 3-year and 5-year returns are Data not available because the scheme does not yet have those records.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark across the periods shown. The fund is positive over 3M and 1Y, while the benchmark stays negative in those same periods.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer gilt funds on 1-year return?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is below the stronger peer figures in the list, including Bandhan Gilt Fund Direct Growth Plan at 7.66%, Franklin India Gilt Fund Direct Growth Plan at 5.92% and UTI Gilt Fund Direct Growth Plan at 5.26%.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP for this fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"What are the main risk and portfolio characteristics?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is in the Low Risk category and is heavily concentrated in Treasury Bills, with the largest disclosed holding at 52.28%. It also has no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Finserv Gilt Fund Direct Growth Plan has a NAV of \u20b91,075.9585 as of 15 September 2026, AUM of \u20b928 Cr and a 1-year return of 4.46%.<\/p>\n","protected":false},"author":38,"featured_media":247813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-224783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["247813"],"rank_math_title":["Bajaj Finserv Gilt Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["Bajaj Finserv Gilt Fund Direct Growth Plan NAV is \u20b91,075.9585 as of 15 Sep 2026; 1-year return is 4.46%."],"rank_math_focus_keyword":["Bajaj Finserv Gilt Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Bajaj_Finserv_Gilt_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224783","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=224783"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224783\/revisions"}],"predecessor-version":[{"id":247814,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224783\/revisions\/247814"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/247813"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=224783"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=224783"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=224783"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}